7 Simple Steps to Use Your UnitedHealthcare UCard

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UnitedHealthcare has made it easier for members to access health benefits with the UCard—a convenient tool that works like a debit card for eligible expenses. Whether you’re new to the UCard or just looking for a refresher, here’s a step-by-step guide to help you make the most of it.

Step 1: Activate Your UCard

Before using your UCard, it needs to be activated. You can do this by:

  • Calling the activation number provided with your card.

  • Visiting the activate.uhc.com ucard website or UnitedHealthcare member portal.

  • Following the automated instructions to complete the activation.

Once activated, your card is ready to use.

Step 2: Understand What Your UCard Covers

Your UCard can be used for a variety of health-related purchases, depending on your specific plan. Common uses include:

  • Over-the-counter (OTC) items

  • Healthy foods and produce

  • Utilities assistance

  • Transportation

  • Dental and vision copays (if included in your plan)

Always check your benefits summary or the UCard hub online to know exactly what your card covers.

Step 3: Shop at Participating Retailers

Use your UCard at participating stores and online retailers that accept it. Some popular places include:

  • Walgreens

  • Walmart

  • CVS

  • Kroger-affiliated stores

You can find a full list of accepted retailers by logging into your member account or using the UnitedHealthcare UCard app.

Step 4: Use Your Card for OTC and Health Items

When shopping in-store:

  • Pick eligible items (look for special shelf tags or use the app to scan and check).

  • At checkout, swipe your UCard like a regular debit card.

  • The cost of approved items will be deducted from your balance.

If you’re shopping online, follow the instructions on the retailer’s site to use your UCard as payment.

Step 5: Keep Track of Your Balance

To make sure you never miss out on benefits, track your balance regularly. You can:

  • Check your balance online or in the UCard app.

  • Call the customer service number on the back of your card.

  • View your balance on your latest receipt after a purchase.

Staying updated helps you maximize your monthly or quarterly benefit allowance.

Step 6: Use It for Healthy Food (If Eligible)

Some UnitedHealthcare plans allow you to use the UCard for healthy food purchases. Look for items marked as eligible in participating grocery stores, such as:

  • Fresh fruits and vegetables

  • Whole grains

  • Lean meats

  • Low-fat dairy

Again, refer to your specific plan to see if the healthy food benefit applies.

Step 7: Reach Out for Help When Needed

If you have questions or run into issues using your UCard, don’t hesitate to contact UnitedHealthcare customer service. You can also:

  • Visit the activate.uhc.com ucard page online

  • Use the mobile app for troubleshooting tips

  • Speak to a representative through your member portal

Support is there to help you make the most of your benefits.

Final Thoughts

The UnitedHealthcare UCard is more than just a card—it’s a gateway to better health and everyday savings. By following these simple steps, you can confidently use your UCard to support your well-being and take full advantage of the benefits available through your plan.

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